Finance
SIP Calculator
- Browser-based
- No signup
Enter monthly investment amount, expected annual return, and investment period in years or months to estimate maturity amount, total invested, and projected returns, with an invested versus returns breakdown.
100% Client-Side
Your data never leaves your computer.
How to use this tool
Enter your monthly investment amount, expected annual return (%), and investment period in years or months. Review the projected maturity value, total invested, and estimated returns.
Worked example
Example: investing $500/month at an expected 10% annual return for 15 years projects a maturity value of about $207,000, with $90,000 invested and roughly $117,000 in estimated returns.
How it works
The SIP calculator estimates the future value of fixed monthly investments using the standard systematic investment plan formula. It converts the expected annual return to a monthly rate and the investment period into monthly contributions, then projects maturity amount, total invested, and estimated returns. Market volatility, fees, and taxes are not included.
Limitations
SIP projections use steady returns and regular contributions. Actual mutual fund returns vary and are not guaranteed.
Privacy and file handling
Your data is processed in your browser and is not uploaded to our server.
Accuracy & methodology
This section documents how the calculator works, what it leaves out, and when results were last reviewed. Figures are educational estimates—not professional advice—and are not labeled "current" unless tied to automatically updated reference data.
- Formula source or methodology
- Systematic investment plan future value: compound growth on initial corpus plus monthly SIP installments.
- Jurisdiction
- India / mutual-fund SIP convention (educational)
- Unit system
- INR or entered currency; percent; years
- Rounding method
- Currency amounts round to two decimal places (half up via Math.round × 100 / 100).
- Assumptions
- Fixed expected return
- Monthly SIP at month end
- Known omissions
- Not tax, legal, investment, or lending advice. Confirm material decisions with qualified professionals.
- Exit load, expense ratio, and tax on capital gains
- Step-up SIP and market volatility
- Test cases (automated)
- Monthly SIP with positive return projects growth
- Version & last verified
Logic version 1.0. Content and formulas last verified .
Important notice
Results are estimates for educational purposes and are not financial advice. Assumed returns are not guaranteed. Consult a qualified financial professional for personal guidance.
Frequently asked questions
What is a SIP?
SIP stands for Systematic Investment Plan. It is a way to invest a fixed amount at regular intervals, typically monthly, into mutual funds or similar investments.
How are SIP returns calculated?
The calculator uses the standard SIP future-value formula based on monthly investment, expected monthly return rate, and number of contributions over the investment period.
Are returns guaranteed?
No. Results are estimates based on a constant expected return. Actual market returns vary, and fees or taxes are not included.
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